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United Bank and Trust Company

Hampton, IA
IDRSSD: 116741
Total Assets
$219.81M
Latest filing
Total Deposits
$191.29M
Latest filing
Net Interest Margin
3.18%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1915
Community BankYes
Ownership TypeNot Mutual
ZIP50441
State and County Number19069
Subchapter S CorporationsYes
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees23
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.ubtc.net
Data Updated11/14/2025
CERT14247
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$219.81M
Total Deposits$191.29M
Total Liabilities$193.83M
Total Equity Capital$25.98M
Net Income$994.00k
Net Loans and Leases$115.49M
Assets Per Employee ($Millions)$9.16M
Bank Premises and Fixed Assets$2.06M
Cash and Balances due from Depository Institutions$28.80M
Deposits Held in Domestic Offices$191.29M

Key Performance Ratios

Return on Assets (ROA)1.83%
Return on Equity (ROE)15.92%
Net Interest Margin3.18%
Efficiency Ratio40.16%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.82%
Earning Assets to total Assets96.32%

Income and Expense

Total Interest Income$2.57M
Total Noninterest Income$82.00k
Total Interest Expense$897.00k
Total Noninterest Expense$704.00k
Net Interest Income$1.67M
Pre-tax Net Operating Income$1.04M
Provision for Credit Losses$12.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$2.00M
Federal Funds Sold & Reverse Repurchase Agreement$4.33M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$533.00k
Total Liabilities and Capital$219.81M

Securities

Securities$65.38M
Available-for-sale debt securities$65.38M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of United Bank and Trust Company?
$219.81M as of the latest filing.
How much are United Bank and Trust Company's total deposits?
$191.29M in total deposits.
Where is United Bank and Trust Company located?
Hampton, IA.
What is the Net Interest Margin?
3.18%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
1.83%.
How much are total loans and leases?
$115.49M (latest filing).
What is the total interest income (latest filing)?
$2.57M.